Just now paid my balance, no issues. I only use my card a few times a month and really haven't had any problems that I recall.
I agree Apple should be responsible but the mechanics of the service is the responsibility of Goldman Sachs. I too was surprised when Tim Cook went with them. It is well known Goldman Sachs have not been the pillar of responsible financial practices. But I imagine Goldman Sachs offered Tim the best deal. Ever wonder how much Apple makes off the cards?Apple is equally responsible as they chose a company like GS to be their partner. It was well known that GS had no experience in this business and their disgusting actions in the 2008 crisis was very well known. Yet Cook, the one who wants to improve the life of individuals and the world itself, happily went into the card business with GS. That speaks volumes about Cook's judgement and values.
I agree Apple should be responsible but the mechanics of the service is the responsibility of Goldman Sachs. I too was surprised when Tim Cook went with them. It is well known Goldman Sachs have not been the pillar of responsible financial practices. But I imagine Goldman Sachs offered Tim the best deal. Ever wonder how much Apple makes off the cards?
I was very hesitant to go with an Apple Card. I finally decided to try it. Since getting the card I have had one issue with charges showing up on my card that I had not made. I called Apple and they directed me to used the text messaging service through the app. I assume I was messaging a Goldman Sachs employee but either way they took care of the problem. They issued a new card number which showed up immediately in my app. They marked the transactions as suspicious and in about two weeks they had reviewed the charges and refunded my card. With any other credit card I would have been without my card until they mailed me a new one in a week or so. Since the physical Apple Card has no number on it there was no need to send me a new one - although I have never used the physical card.
But after seeing all the issues this year with people not able to order on launch day and use their Apple Card, I can agree Goldman Sachs dropped the ball. What happened was unacceptable. I was glad I had no issues using my card on launch day but would have been very unhappy (pissed!) if it had not worked.
Well, it seems that for folks experiencing problems with the card, Apple has lost control and seems to have little interest in regaining it.Believe it or not, not every other potential partner would even be willing to allow the card to work the way it does. I strongly suspect the reason they chose GS wasn’t the financial terms, but their willingness to do the instant cash back, to allow apple to control the customer relationship, etc.
And 3 year later Apple needed to be saved from bankruptcy by Microsoft. I hoped, they would have learned something from that experience.
WTF is happening to Apple? They are fast becoming no different than the other tech companies. If they start going down hill in the build quality and reliability of their products there will be no justification for their high price premium.
They also run the bank, the internet, the Canadian healthcare system, and Brother Bruno’s II pizzeria (but not Brother Bruno’s I, for some reason).Do you actually think Apple runs the credit-card system itself?
Unless Brother Bruno I delivers a pizza late. Then, it will be Apple’s fault.They also run the bank, the internet, the Canadian healthcare system, and Brother Bruno’s II pizzeria (but not Brother Bruno’s I, for some reason).
Only problem I’m having with the Apple Card:
“WHY IS IT STILL ONLY AVAILABLE IN THE US of A 🇺🇸 ?”View attachment 1855710
The regulated interchange fees don't make it worth it in other countries anyways. MasterCard and GS earning 0.005% of the purchase amount doesn't seem profitable to offer the exact same card in the EU. You can thank the politicians for that.Only problem I’m having with the Apple Card:
“WHY IS IT STILL ONLY AVAILABLE IN THE US of A 🇺🇸 ?”View attachment 1855710
I've had nothing but problems with Apple Card. TIP: DON'T EVER DO AN INSTALLMENT. REPEAT -- DON"T EVER DO AN INSTALLMENT. It's the biggest nightmare and Apple has essentially shifted the majority of operations to the INSANELY bad Goldman Sachs -- worst most incompetent bank I've ever used and I'm 51.
If you have been experiencing issues with paying off or managing your Apple Card today, you are not alone, as Apple has confirmed ongoing issues.
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"Some users may not be able to apply for Apple Card, pay their bill, lock/unlock their physical card, request a new or replacement physical card, or request a new card number," reads a notice posted on Apple's system status page.
The issues began within the past few hours and affect only some cardholders. We'll update this story when Apple indicates the issues have been resolved.
Update: The issues have been resolved, according to Apple's system status page.
Article Link: Problems With Your Apple Card Today? Apple Has Confirmed Ongoing Issues [Resolved]